Kingstone Companies Inc
NASDAQ:KINS
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Kingstone Companies Inc
Kingstone Cos., Inc. operates as a holding company, which engages in the provision of property and casualty insurance policies to individuals and small businesses through its subsidiary. The company is headquartered in Kingston, New York and currently employs 91 full-time employees. The firm offers its products through its wholly owned subsidiary, Kingstone Insurance Company (KICO). KICO is a licensed property and casualty insurance company, which is offering its insurance products in New York, New Jersey, Rhode Island, Massachusetts and Connecticut. The company underwrites its business utilizing industry claims databases, insurance scoring reports, physical inspection of risks and other individual risk underwriting tools. The firm writes homeowners and dwelling fire business in coastal markets. The firm's product lines include personal lines, livery physical damage, and other. Its personal lines consist of homeowners, dwelling fire, renters, equipment breakdown and service line endorsements and personal umbrella policies. The company writes for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs.
Kingstone Cos., Inc. operates as a holding company, which engages in the provision of property and casualty insurance policies to individuals and small businesses through its subsidiary. The company is headquartered in Kingston, New York and currently employs 91 full-time employees. The firm offers its products through its wholly owned subsidiary, Kingstone Insurance Company (KICO). KICO is a licensed property and casualty insurance company, which is offering its insurance products in New York, New Jersey, Rhode Island, Massachusetts and Connecticut. The company underwrites its business utilizing industry claims databases, insurance scoring reports, physical inspection of risks and other individual risk underwriting tools. The firm writes homeowners and dwelling fire business in coastal markets. The firm's product lines include personal lines, livery physical damage, and other. Its personal lines consist of homeowners, dwelling fire, renters, equipment breakdown and service line endorsements and personal umbrella policies. The company writes for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs.
Record Profitability: Kingstone delivered its second most profitable quarter ever, earning $10.9 million in net income and $0.74 diluted EPS, with a combined ratio of 72.7% and annualized ROE of 43%.
Strong Premium Growth: Direct written premium rose 14%, driven by an average premium increase of 13% and improved retention.
Investment Income Surge: Net investment income jumped 52% to $2.5 million, fueled by robust cash generation and higher fixed income yields.
Guidance Raised: Management increased 2025 guidance for combined ratio, EPS, and ROE, while reaffirming premium growth targets of 12% to 17%.
Expense Ratio Down: The expense ratio improved significantly, aided by sliding scale ceding commissions and lower catastrophe losses.
Expansion Ongoing: State expansion efforts continue, with new product development for E&S markets and a renewal rights agreement with GUARD already contributing to growth.
Competitive Stability: Despite some competitors broadening their underwriting, Kingstone's growth and new business volumes remain strong in its core markets.
